Banking

An intelligent comms hub designed for financial services

Consolidate communication from all applications into one engine, boost delivery, reduce costs, and stay 100% compliant with Fyno.

Why leading banks trust Fyno

Universal integrator

Connect all channels and vendors, no code, full control.

Auto bill reconciliation

Instantly match bills with delivery logs to avoid overcharges.

Smart routing engine

Optimize delivery with dynamic failover and low-cost channels.

Consent-driven messaging

Ensure you only message users who opted-in, per channel.

Secure OTP infra

Reliable, fallback-enabled OTP flows for critical banking actions.

DLT & Meta approvals

Centrally manage templates across channels with audit-ready flows.

Purpose-build features that are designed to put banks in control

Universal Integrator

Unify your entire communication stack

Channel & vendor integration

Whether you’re using WhatsApp, SMS, Telcos, or email, connect them all with zero code.

Auto bill reconciliation

Auto-match delivery logs with vendor invoices. Approve bills confidently and stop paying for failed or duplicate deliveries.

Smart routing & BCP

Route each message based on use case, region, or vendor health. Ensure delivery, even during outages.
Template manager

Centralised template management across channels

Control, approve, and audit every SMS and WhatsApp template, without engineering effort.
DLT integration

Submit SMS templates directly to DLT and 10DLC DLT platforms (Jio, Airtel, VI) & auto-map Template IDs to avoid delivery failures.

Real-time WhatsApp template tracking

Manage WhatsApp templates with real-time Meta approval tracking and status updates.

Set your internal review checkpoints

Set internal review and approval steps before pushing templates to DLT or Meta.

Full change history, auto-captured

Maintain complete change history and approval trails for compliance and governance.

Cost optimisation

Smart messaging. Lower costs.

Optimise every communication with automation, de-duplication, and dynamic routing with no engineering effort needed.

Dynamic SMS formatting

Trim message length intelligently to avoid multipart charges and reduce SMS spend.

De-duplicate messages

Auto de-duplication check to block unintended repeat messages.

Auto bill matching

Match delivery logs to vendor invoices and pay only for what was delivered.

Over-billing detection

Catch retry attempts or billing errors that inflate your vendor communication costs.

Smart channel routing

Send via low-cost channels like in-app or email before using SMS or WhatsApp.

Auto-suppression & digest

Block duplicate sends and bundle low-priority updates into a single efficient message.
100% delivery
Fyno ensures every critical message is delivered fast, reliably, and at scale.

Auto scaling

Automatically handles spikes in message volumes with zero delay & no manual intervention.

Throttling intelligence

Manages provider/channel rate limits smartly to ensure 100% message delivery success.

Queue prioritization

Critical alerts like OTPs or fraud messages always go first, no delays or bottlenecks.
99.99%
delivery uptime
50K
TPS
<50ms
latency
Consent Management

Consent-first messaging built for compliance

Fyno automatically enforces opt-ins, respects user preferences, and blocks messages to DND users saving cost and ensuring regulatory compliance.
Template Editor

Fyno verify - A fully managed secure OTP infrastructure

Deliver OTPs with reliability, channel flexibility, and regulatory-grade security, all orchestrated through Fyno.

Deliver OTPs inside your app or through a standalone OTP interface.

Auto-send OTPs via SMS or email when primary channel fails or isn’t available.

Enable time-based OTPs for sensitive actions like net banking or fund transfers.

Regulatory compliance

Deeply embeded compliance you can trust

Fyno gives you instant access to audit trails, delivery logs, and user-wise reports, making regulatory compliance effortless and error-free.
User-wise communication reports

Track who received what, when, and how down to individual users.

Timestamped delivery logs

Set internal review and approval steps before pushing templates to DLT or Meta.

Audit trails

Get transparent audit trails for every single communication request

Compliant & secure

Enterprise-grade security & global privacy compliance

WhatsApp's new pricing structure makes WhatsApp banking completely free. Build rich, interactive banking experiences without worrying about costs.
Certified to global standards

Compliant with ISO 27001, SOC 2 and GDPR to meet international security benchmarks.

Data privacy by design

User data is encrypted, access-controlled, and processed in compliance with global data protection laws.

Data localization

Fyno ensures sensitive data is stored and processed within required national boundaries to meet localization mandates.

Digital personal data protection

Fyno complies with India’s DPDP Act by enforcing policy-based data governance, secure access, and purpose-limited processing.

Template Editor

Built with enterprise controls and flexibility for seamless collaboration

Deliver your communications with reliability, channel flexibility, and regulatory-grade security, all orchestrated through Fyno.

Have dedicated workspaces for distinct teams and projects. Get workspace wise visibility of communication usage and reports.

Define role of your team members so that they can access what they need. Choose from developer, support and admin roles for better control.

Build accountability with approval flows. Let critical changes be reviewed inside the platform with audit logs.

While you’re still here, check out some other features!

Quality assurance

Simplify template management with one powerful, easy-to-use editor

Manage all your messaging templates across channels, from a single platform. Update content, tweak designs, guarantee compliance and collaborate, without code or redeployments
Quality assurance

The most powerful communication orchestrator

Connect to any system, from analytics platforms to payment gateways, and build your communication pipelines without writing a single line of code.
workflow builder-image illustration
Quality assurance

Build and manage complex routing protocols instantly

Easily deploy message routing protocols with our no code builder.  Configure real time failovers, and cross channel flows for reliable delivery at lesser cost.
Quality assurance

Manage distinct communication requirements better

Fyno’s workspaces allow you to configure unique integrations, workflows and templates in each workspace, each with tailored reporting and analytics.
Quality assurance

Unified communication logs: complete visibility, effortless compliance

Unlock the power of unified, centralized logging with Fyno. Seamlessly trace, audit, and analyze billions of customer messages sent across any channel and CPaaS provider from a single intuitive dashboard.